Privacy Policy
Last Updated: August 2023
Thank you for placing your trust in L & O Technologies Pty. Ltd. (“we,” “us”). This Privacy Policy describes how we collect, hold, use, and disclose your information and explains the choices that you have regarding how we use your personal information.
This Privacy Policy applies to all dealings we have with individuals, including customers, guarantors or prospective guarantors, suppliers and service providers, and job applicants.
We are committed to protecting your personal information. By submitting your personal information to us, or by using our services, you acknowledge and consent to us using your personal information in accordance with this Privacy Policy.
This Privacy Policy is intended to enhance the transparency of our operations, to notify you of your rights and our obligations, and to provide you with information regarding:
1. the kinds of personal information which we collect and hold;
2. how we collect, hold, use, and disclose personal information;
3. the purposes for which we collect, hold, use, and disclose personal information;
4. how you may access personal information that is held by us and seek correction of such information;
5. how you may complain about a breach of the Australian Privacy Principles (“APP”) or registered APP code (if any) that binds us and how we will deal with such complaints;
6. whether we are likely to disclose personal information to overseas recipients; and
7. if we are likely to disclose personal information to overseas recipients, the countries in which such recipients are likely to be located.
This Privacy Policy sets out how we comply with our obligations under the Privacy Act 1988 (Cth) (“Act”).
Acknowledgement
We acknowledge that we must take reasonable steps when handling personal information.
Whilst we cannot warrant that this Privacy Policy will be followed in every instance, we will endeavour to follow this Privacy Policy. Similarly, while we cannot warrant that loss, misuse or alteration of information will never occur, we will take all reasonable steps to prevent these things from occurring.
We have taken reasonable steps to endeavour to comply with the APP and the Act, some examples are noted below.
1. Implementation of this Privacy Policy.
2. Staff training and education.
3. Use of checklists to ensure that all APP are complied with.
4. Clear and transparent procedures regarding the handling of complaints and disclosure of information.
If you require a hardcopy of this Privacy Policy, please contact our Privacy Officer on the details below and we will provide you with a copy.
The kinds of personal information which we will collect and hold
Collection
It is our usual practice to collect personal information directly from the subject individual or their authorised representative(s).
Personal information means information or an opinion (including information or an opinion forming part of a database), whether true or not, and whether recorded in a material form, about an individual whose identity is apparent, or can reasonably be ascertained, from the information or opinion.
Some examples of the personal information we might collect include (but are not limited to):
1. your name;
2. your contact details (such as telephone numbers, addresses (residential and business), and email addresses etc.);
3. your age or date of birth;
4. your occupation and employment details (current and former);
5. personal identification documentation (including government related identifiers);
6. details relating to your use of our goods and services;
7. payment details;
8. banking details;
9. images from video surveillance and other cameras we use; and
10. customer survey information.
Identification
You may choose to interact with us using a pseudonym and/or not identify yourself.
In circumstances where we are required to do so, or are authorised by law, a court or tribunal to ask for your identification, we will request your personal information.
Further, it is likely that it will be impractical for us to interact with you without some form of identification, and therefore we will request identification details from you at the beginning of each transaction.
For example, we will not be able to open a commercial credit trading account or process a commercial credit application for you without obtaining identification details.
If you do not consent to the collection of your personal information, in accordance with this Privacy Policy, we may not be able to assist you with the provision of certain services.
How we will collect and hold your personal information
We only collect and hold personal information by lawful and fair means.
There are several ways we may collect your personal information, including when you:
1. visit, or submit information through, our website;
2. apply with us for a position of employment or as a contractor;
3. deal with us face-to-face, in writing (by letter, facsimile, or email), or by telephone;
4. participate in any of our events, promotions, or surveys, or subscribe to any of our publications; or
5. submit an application, quotation, purchase order, or service request to us.
In some circumstances, we may collect and hold personal information that has been collected from a third party (such as an associated entity or service provider) or a publicly available source.
This will likely occur in instances where:
1. you have consented for this collection (which would usually be via our privacy statement and/or credit application form); or
2. you would reasonably expect us to collect your personal information in this way and it is necessary for us to collect this information for a specific purpose (such as investigation of a complaint).
We will take steps to hold personal information in a manner which is secure and protected from unauthorised access.
Your personal information may be held in either a physical form or in electronic form on our IT system.
Where stored in electronic form on our IT system, we will take steps to protect the information against modification, disclosure, or misuse by including such things as physical restrictions, password protections, internal and external firewalls, and anti-virus software.
We will also endeavour to ensure that our service providers have protection for electronic IT systems and other necessary restrictions.
We will endeavour to ensure our staff are trained with respect to the security of the personal information we hold, and we will restrict any access where necessary.
While we retain personal information for as long as necessary in relation to the purposes for which it is collected, we will endeavour to destroy and de-identify the personal information once it is no longer required, except as required for business record purposes.
In the event we hold personal information that is unsolicited, and we were not permitted to collect it, the personal information will be destroyed as soon as practicable.
If we collect personal information about you from someone else, we will advise you as soon as practicable that this information has been collected and the circumstances which surround the collection.
Cookies and the collection of personal information via our website
When you visit our website, we may collect information about the session between your computer and our website using cookies.
Cookies are text files which are stored on your computer or mobile device (by your web browser) that record specific information, such as which pages you visit, the information you have searched for, or the device you are using to access our website.
We use cookies for the purposes of managing and improving our website, improving our business processes, and gathering demographic information about the persons who visit our website, among other things.
Third parties may store cookies on our website, including, by way of example, the following entities.
1. Google Analytics (provided by Google Inc.) to enable us:
(a) to perform statistical analyses of e.g. number of visitors, information on gender, age, location, interests, and the like to learn about our visitors; and
(b) to improve the website friendliness and usability (e.g. on the basis of website traffic measurements).
2. Youtube (provided by YouTube LLC.) to store session preferences (e.g. language) and suggest other content based on your previous uses (only activated when you are logged in to Youtube when visiting our website and only when clicking the YouTube button).
3. LinkedIn (provided by LinkedIn Corp.) to enable the “follow” and “share” features of LinkedIn (only when you are logged in to LinkedIn when visiting our website and only when clicking the LinkedIn button).
You may elect to disable or turn off cookies in your web browser, however, this may impact upon the services we are able to offer you on our website and may impact upon your ability to access certain features of our website.
Our server will also automatically record your Internet Protocol address (IP address).
An IP address is a numerical designation assigned to each device connected to a computer network by your internet service provider. While IP addresses can be used to identify the general physical location of a computer, they are otherwise anonymous, and we will not use your IP address to identify you.
Hiring and recruitment
If you apply for a position with us, we may also collect information about your experience, character, qualifications, and screening checks (including background, health, references, directorship, financial probity, identity, eligibility to work, vocational suitability, and criminal record checks). Sensitive information will only be collected with your consent.
We collect, use, and disclose your personal information to assess your application, conduct screening checks and consider and contact you about positions available. Your personal information may be exchanged with academic institutions, recruiters, screening check providers, health service providers, professional and trade associations, law enforcement agencies, referees, and your current and previous employers.
We may not be able to further consider you for positions with us without your personal information.
The purposes for which we collect and hold personal information
We will endeavour to only collect and hold personal information which is relevant to the operation of our company.
Our purpose for collecting or holding personal information about you is so that it may be used directly for our business activities.
We may use your personal information for the business activities of our company, which include, among other things:
1. assessing credit applications;
2. reviewing existing credit terms;
3. assessing credit worthiness;
4. collecting overdue payments;
5. assessing credit guarantees (current and prospective);
6. internal management purposes;
7. administering accounts;
8. managing relationships with our customers;
9. dealing with complaints;
10. supplying you with goods and services;
11. facilitating product and service reviews;
12. business development and marketing purposes (including direct marketing);
13. sales and billing;
14. insurance purposes;
15. complying with legal requirements;
16. establishing, exercising, or defending a legal or equitable claim; and
17. training and recruitment.
We may also collect personal information (including sensitive information) for both the primary purposes specified herein and purposes other than the primary purposes, including the purpose of direct marketing.
We may also collect personal information from other credit providers, Credit Reporting Bodies (“CRBs”) and any other third parties for the purposes of our business activities including, but not limited to, credit, sales, marketing, and administration.
The purposes for which we use and disclose personal information
We will endeavour to only use and disclose personal information for the primary purposes noted above in relation to the business activities of our company.
In addition, we may also use and disclose personal information (including sensitive information) for both the primary purposes specified herein and purposes other than the primary purposes, including the purpose of direct marketing.
Unless one or more of the below scenarios has occurred, we will take necessary steps to prevent personal information from being given to government agencies or other organisations.
1. You have provided your consent.
2. You would reasonably expect that your information would be so disclosed.
3. We have informed you that your personal information will be provided to a third party.
4. We are required by law to provide your personal information to a government agency or other organisation.
5. The disclosure of the information will prevent a serious threat to somebody’s life or health.
6. The disclosure of the information reasonably necessary for the enforcement of criminal law.
Further we will endeavour to only disclose personal information for the purpose in which it was collected, unless disclosure is reasonably necessary to:
1. assist in locating a missing person;
2. lessen or prevent a serious threat to life, health or safety;
3. take appropriate action with suspected unlawful activity or serious misconduct;
4. facilitate or assist with diplomatic or consular functions or activities;
5. assist certain defence force activities outside Australia;
6. establish or exercise a defined legal or equitable claim; or
7. facilitate or assist confidential alternative dispute resolution activities.
Direct Marketing
We will take steps not to disclose personal information for direct marketing purposes unless you have provided your consent to do so.
In any event you will be provided with an opt out option with respect to direct marketing, should you wish to be excluded from direct marketing.
If you do not elect to ‘opt out’ to receiving direct marketing material from us, you consent to us using personal information (other than sensitive information) provided to us for direct marketing purposes.
We may however use sensitive information for direct marketing purposes if you provide your consent to do so.
You may at any point in time, request to no longer receive direct marketing material from us by opting out.
We will record this information on our opt out register.
Direct Marketing and Third Parties
We may also from time to time, if we have received your consent, provide your personal information to a third party for the purposes of direct marketing.
You may at any time request the source of the personal information that has been disclosed.
Government related identifiers
We will endeavour not to use or disclose a government related identifier, unless:
1. the use or disclosure of the identifier is reasonably necessary for us to verify your identity for the purposes of our business activities; or
2. the use or disclosure of the identifier is reasonably necessary for us to fulfil our obligations to an agency or a State or Territory authority; or
3. the use or disclosure of the identifier is required or authorised by or under an Australian law or a court or tribunal order; or
4. a permitted general situation (as that term is defined in the Act) exists in relation to the use or disclosure of the identifier; or
5. we reasonably believe that the use or disclosure of the identifier is reasonably necessary for one or more enforcement related activities conducted by, or on behalf of, an enforcement body.
Disclosure to CRBs
As indicated above, we may disclose personal information to a CRB in accordance with the permitted disclosures as defined under the Act.
We may disclose your Credit Information to the following CRBs listed below.
Equifax Australia GPO Box 94 North Sydney NSW 2059 Tel: 13 8332 | Creditor Watch GPO Box 276 Sydney NSW 2001 Tel: 1300 501 312 | NCI PO Box 3315 Rundle Mall SA 5000 Tel: 1800 882 820. | Illion PO Box 7405 St Kilda Road Melbourne VIC 3004 Tel: 13 23 33 | Experian GPO Box 1969 North Sydney NSW 2060 Tel: (02) 8907 7200 |
A copy of the credit reporting policy for the CRBs listed above will be available on their website or will be provided in hard copy upon request.
How you may access your personal information
You are entitled to access your personal information held in our possession.
We will endeavour to respond to your request for personal information within a reasonable time period or as soon as practicable in a manner as requested by you. We will normally respond within thirty (30) days.
You can make a request for access by sending an email or letter addressed to our Privacy Officer, the details of which are as follows.
The Privacy Officer
Address: 4-6 Venture Court, Dandenong VIC 3175
Telephone: 1300 LOTECH (658 324)
Email: hr@lotechnologies.com.au
With any request that is made we will need to authenticate your identity to ensure the correct person is requesting the information.
We will not charge you for making the request, however, if reasonable we may charge you with the costs associated with your request.
You will only be granted access to your personal information where we are permitted or required by law to grant access. We are unable to provide you with access that is unlawful.
Further we are not required to, and will not, give access to personal information to the extent that:
1. we reasonably believe that giving access would pose a serious threat to the life, health, or safety of any individual, or to public health or public safety; or
2. giving access would have an unreasonable impact on the privacy of other individuals; or
3. the request for access is frivolous or vexatious; or
4. the information relates to existing or anticipated legal proceedings and the information would not be accessible in normal discovery procedures; or
5. giving access would reveal the intentions of us in relation to negotiations and this disclosure would prejudice those negotiations; or
6. denying access is required or authorised by or under an Australian law or a court or tribunal order; or
7. we have reason to suspect that unlawful activity, or misconduct of a serious nature, that relates to our business activities has been, or may be engaged in; or
8. giving access would be likely to prejudice the taking of appropriate action in relation to the matter; or
9. giving access would be likely to prejudice one or more enforcement related activities conducted by, or on behalf of, an enforcement body; or
10. giving access would reveal evaluative information generated within us in connection with a commercially sensitive decision-making process.
If we refuse access to the information, written notice will be provided to you setting out:
1. the reasons for the refusal (except to the extent that, having regard to the grounds for the refusal, it would be unreasonable to do so);
2. the mechanisms available to complain about the refusal; and
3. any other matter prescribed by the regulations.
Correction
Should we hold personal information, and it is inaccurate, out of date, incomplete, irrelevant, or misleading, or incorrect you have the right to make us aware of this fact and request that it be corrected.
If you would like to make a request to correct your information, please contact our Privacy Officer.
In assessing your request, we need to be satisfied that the information is inaccurate, out of date, incomplete, irrelevant, or misleading. We will then take all reasonable steps to ensure that it is accurate, up-to-date, complete, and not misleading.
It is our normal policy to resolve any correction requests within thirty (30) days. If we require further time, we will notify you in writing and seek your consent.
Should we refuse to correct your personal information written notice will be provided to you setting out:
1. the reasons for the refusal (except to the extent that, having regard to the grounds for the refusal, it would be unreasonable to do so); and
2. the mechanisms available to complain about the refusal; and
3. any other matter prescribed by the regulations.
We will endeavour to notify any relevant third parties of the correct personal information where necessary and required.
Notifiable Data Breaches
A Notifiable Data Breach is an event where access to your personal data has been gained and there is a risk of serious harm, or it is suspected that there is a serious risk to you.
In the event of a Notifiable Data Breach, we will notify you. Examples of Notifiable Data Beaches include:
1. loss or theft of physical devices (such as laptops and storage devices) or paper records that contain personal information;
2. unauthorised access to personal information by an employee; and
3. inadvertent disclosure of personal information due to ‘human error’ (e.g. an email sent to the wrong person).
Complaints
If you wish to make a complaint about a failure of us to comply with our obligations in relation to the Act or the APP please raise this with our Privacy Officer.
We will provide you with a receipt of acknowledgment as soon as practicable.
We will then endeavour to respond to your complaint and attempt to resolve the issues within thirty (30) days.
In dealing with your complaint, we may need to consult another credit provider or third party.
If you are not satisfied with the process of making a complaint to our Privacy Officer, you may make a complaint to the Information Commissioner, the details of which are below.
Office of the Australian Information Commissioner
GPO Box 5218 Sydney NSW 2001
Email: enquiries@oaic.gov.au
Telephone: 1300 363 992
Facsimile: (02) 9284 9666
The Information Commissioner can decline to investigate a complaint on several grounds including, among other things, where the complaint wasn’t made at first to us.
For more information about privacy in general, you can visit the Australian Information Commissioner’s website: https://www.oaic.gov.au/.
Disclosure to overseas recipients
We may choose to, if permitted by law, share and/or disclose your personal information with recipients outside of Australia.
We are required to notify you with a list of any countries which personal information may be transmitted to or disclosed where it is practical for us to do so.
We currently do not share or disclose personal information to any overseas recipients.
If you have any queries regarding this Privacy Policy or wish to find out more regarding any of our other policies, please contact our Privacy Officer on the details listed above.
Security
We take all reasonable steps to keep secure any information which we hold about you. Personal information may be stored both electronically on our computer system, and in hard-copy form. Firewalls, passwords, anti-virus software, and email filters act to protect our electronic information.
Changes to this Privacy Policy
We will update this Privacy Policy from time to time. We therefore recommend that you read it each time you visit our website. If you do not agree with this Privacy Policy at any time, please do not continue to use our website. If you do continue to use our website, you are deemed to have accepted the terms of this Privacy Policy as they appear at the time of use.
Credit Reporting and Credit-Related Personal Information Policy
Last Updated: August 2023
This is the credit reporting and credit related personal information policy (“Credit Reporting Policy”) of L & O Technologies Pty. Ltd. (“we,” “us”).
The purpose of this Credit Reporting Policy is to be a clearly expressed and up to date policy about the management of credit related personal information (which means credit information, credit reporting information, credit eligibility information and/or regulated information) (“Credit Information”) including the collection, holding, use, and disclosure of such information.
This Credit Reporting Policy is intended to enhance the transparency of our operations, to notify you of your rights and our obligations, and to provide you with information regarding:
1. the kinds of Credit Information which we will collect and hold;
2. how we collect, hold, use, and disclose Credit Information;
3. the purposes for which we collect, hold, use, and disclose Credit Information;
4. how you may access Credit Information that held by us and seek correction of such information;
5. how you may complain about a breach of the Privacy (Credit Reporting) Code 2014 (Cth) (“CRC”) and how we will deal with such complaints;
6. whether we are likely to disclose Credit Information to overseas recipients; and
7. if we are likely to disclose Credit Information to overseas recipients, the countries in which such recipients are likely to be located.
This Credit Reporting Policy sets out how we comply with our obligations under the Privacy Act 1988 (Cth) (“Act”) and the CRC.
Acknowledgment
We acknowledge that we must take reasonable steps when handling Credit Information.
Whilst we cannot warrant that this Credit Reporting Policy will be followed in every instance, we will endeavour to follow this Credit Reporting Policy. We have educated and trained our employees with the compliance requirements and have appropriate procedures in place to manage Credit Information.
The kind of Credit Information which we will collect and hold
We collect and hold the following types of Credit Information.
1. Current and prior names and addresses, your age or date of birth, and occupation.
2. Drivers licence number.
3. Credit and/or debit card information (for the purposes of processing payment(s)).
4. Details regarding applications for commercial credit including the type and amount of credit requested and the fact that we have assessed an application.
5. Details regarding the provision of credit, the amount and whether any other credit was previously provided.
6. The date that any agreement in relation to credit ceased or was terminated and the surrounding circumstances.
7. Repayment history.
8. Details regarding payment owed to us or any other credit provider, in connection with credit provided to you or in relation to which you are a guarantor, overdue for more than sixty (60) days.
9. Whether in our opinion, or another credit provider’s opinion, you have committed a serious credit infringement.
10. Whether you have entered into arrangements with us or other creditors in connection with the credit provided to you.
11. Court proceedings information, personal insolvency information, and credit related publicly available information.
12. Any information regarding your credit worthiness.
13. Any administrative information about credit accounts of yourself and your related bodies corporate.
How we will collect, use, and disclose your Credit Information
Our usual practice will be to collect Credit Information from you (or your authorised representative) directly and with your written consent.
In some circumstances, we may collect Credit Information from a third party. This may include the collection of Credit Information from a Credit Reporting Body (CRB).
As indicated above, we will endeavour to obtain your written consent regarding the collection and further disclosure of Credit Information from and to a CRB.
It may be necessary for us to collect your Credit Information for a specific purpose such as the investigation of a complaint.
We may be required to, in some circumstances, if you fail to meet payment obligations or commit serious credit infringement to disclose your Credit Information to a CRB.
We will attempt to use the Credit Information we collect and hold for the primary purpose(s) in respect of which it is collected.
How we will hold the Credit Information we collect, use, and disclose
We will hold the Credit Information in a manner which is secure and protected from unauthorised access.
Your information may be held in either a physical form or in electronic form on our IT system.
Where stored in electronic form on our IT system, we will take steps to protect the information against modification, disclosure, or misuse by including such things as physical restrictions, password protections, internal and external firewalls, and anti-virus software.
We will also take steps to ensure our service providers have protection for electronic IT systems and other necessary restrictions.
We will endeavour to ensure that our staff are trained with respect the security of the Credit Information we hold, and we will restrict any access where necessary.
Once information is no longer required, we will take all reasonable steps to either destroy and de-identify the Credit Information in a secure manner and where possible destroy and delete records, except as required for business record purposes.
In the event we hold Credit Information that is unsolicited, and we were not permitted to collect it, the Credit Information will be destroyed as soon as practicable.
The purposes for which we collect, hold, use, and disclose your Credit Information
We may collect, hold, use, and disclose your Credit Information as reasonably necessary so that it may be used directly for the functions or activities of our company and as permitted by law.
We may use your Credit Information for the functions or activities of our company to:
1. consider whether to provide you or a related entity with credit, or accept you as a guarantor;
2. consider your credit worthiness;
3. provide information to CRBs and participate with other credit providers in the credit reporting system recognised by the CRC;
4. take debt recovery action and enforcement where necessary to recovery amounts against guarantors or where infringements have occurred; and/or
5. consider and address any complaints and comply with our statutory requirements.
Disclosure to CRBs
As indicated above, we may disclose Credit Information to a CRB in accordance with the permitted disclosures as defined under the Act, including instances where you fail to meet your payment requirements and/or you commit a serious credit infringement.
We may disclose your Credit Information to the following CRBs listed below.
A copy of the credit reporting policy for the CRBs listed above will be available on their website or will be provided in hard copy upon request.
Equifax Australia GPO Box 94 North Sydney NSW 2059 Tel: 13 8332 | Creditor Watch GPO Box 276 Sydney NSW 2001 Tel: 1300 501 312 | NCI PO Box 3315 Rundle Mall SA 5000 Tel: 1800 882 820. | Illion PO Box 7405, St Kilda Road Melbourne VIC 3004 Tel: 13 23 33 | Experian GPO Box 1969 North Sydney NSW 2060 Tel: (02) 8907 7200 |
You are entitled to also place a twenty-one (21) day ban on the sharing of your Credit Information, if you believe you have become a victim of credit fraud.
Disclosure of your Credit Information to other recipients
We may choose to, if permitted by law, share and/or disclose your credit information with third parties including:
1. other credit providers;
2. our related companies;
3. debt collection organisations;
4. guarantors or security providers in relation to the credit we provide you;
5. debt assignment organisations; and
6. credit insurers.
In some instances, we will require your written consent prior to making such disclosures. We typically obtain this consent via our privacy statement, which is contained in our credit application.
How you may access your Credit Information
You are entitled to access your Credit Information held in our possession.
We will endeavour to respond to your request for Credit Information within a reasonable time period or as soon as practicable in a manner as requested by you. We will normally respond within thirty (30) days.
You can make a request for access by sending an email or letter and addressed to our office, the details of which are as follows.
Address: 4-6 Venture Court, Dandenong VIC 3175
Telephone: 1300 LOTECH (658 324)
Email: hr@lotechnologies.com.au
With any request that is made we will need to authenticate your identity to ensure the correct person is requesting the information.
You will only be granted access to your Credit Information where we are permitted or required by law to grant access. We are unable to provide you with access that is unlawful.
We will not charge you for making the request, however if reasonable we may charge you with the costs associated with your request.
In the event your request is refused, we will provide you with written notice regarding the refusal and reasons for our decision.
Correction
Should we hold Credit Information, and it is inaccurate, out of date, incomplete, irrelevant, misleading, or incorrect you have the right to make us aware of this fact and request that it be corrected.
If you would like to make a request to correct your information, please contact our office on the details provided above.
In assessing your request, we need to be satisfied that the information is inaccurate, out of date, incomplete, irrelevant, misleading, or incorrect. We will then take all reasonable steps necessary to ensure that it is accurate, up-to-date, complete, relevant, and not misleading.
It is our normal policy to resolve any correction requests within thirty (30) days. If we require further time, we will notify you in writing and seek your consent.
Should we refuse to correct your Credit Information written notice will be provided to you setting out:
1. the reasons for the refusal (except to the extent that, having regard to the grounds for the refusal, it would be unreasonable to do so); and
2. the mechanisms available to complain about the refusal; and
3. any other matter prescribed by the regulations.
Record keeping
We will endeavour to keep a record of where all Credit Information is used or disclosed.
The types of matters recorded by us include the following.
1. Where Credit Information is destroyed to meet obligations and compliance requirements in accordance with the CRC and the Act.
2. Where we have received Credit Information from another credit provider:
(a) the date on which it was disclosed;
(b) a brief description of the information disclosed; and
(c) to whom the disclosure was made.
3. Records of any consent provided by an individual for purposes of disclosure.
4. Records of any correspondence and actions taken in relation to notifications or corrections, complaints, pre-screening, monitoring, and auditing.
We will maintain our records for a minimum period of five (5) years.
Complaints
If you wish to make a complaint about a failure of us to comply with our obligations in relation to the CRC or the Act please raise this with our office on the contact details above.
We will provide you with a receipt of acknowledgment as soon as practicable.
We will then endeavour to respond to your complaint and attempt to resolve the issues within thirty (30) days.
In dealing with your complaint, we may need to consult a CRB, another credit provider, or a third party.
If you are not satisfied with the process of making a complaint to our office, you may make a complaint to the Information Commissioner, the details of which are below.
Office of the Australian Information Commissioner
GPO Box 5218, Sydney NSW 2001
Email: enquiries@oaic.gov.au
Telephone: 1300 363 992
Facsimile: (02) 9284 9666
The Information Commissioner can decline to investigate a complaint on several grounds including, among other things, where the complaint wasn’t made at first to us.
Disclosure to overseas recipients
We may choose to, if permitted by law, share and/or disclose your Credit Information with recipients outside of Australia.
We are required to notify you with a list of any countries which Credit Information may be transmitted to or disclosed where it is practical for us to do so.
We currently do not share or disclose Credit Information to any overseas recipients.
If you have any queries regarding our Credit Reporting Policy or wish to find out more regarding any of our other policies, please contact our office on the details listed above.